Calcufast

Peru ONP 13%: S/2,500 → S/325/month

Worker SNP contribution (D.L. 19990). S/2,500 × 13% = S/325. Not AFP and not employer EsSalud 9%.

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Monthly ONP contribution (13%)

PEN 325.00

Annual ONP contribution

PEN 3,900.00

Estimated net pay

PEN 2,175.00

Base (pay + allowance)

PEN 2,500.00

13% paid by the worker to the SNP (D.L. 19990). Not AFP (10% + fee + insurance) and not employer EsSalud 9%. Sep 2026.

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How much does ONP take?

The National Pension System takes 13% of insurable pay. The worker pays it. EsSalud 9% does not come out of your paycheck: the employer pays it.

Quick answer

S/ 2,500 × 13% = S/ 325 a month (S/ 3,900 a year). Net S/ 2,175.

ONP (D.L. 19990)

contribution = (salary + family allowance) × 13%

Table 1 — Common salaries

GrossONP 13%Net
S/ 1,500S/ 195.00S/ 1,305.00
S/ 2,500S/ 325.00S/ 2,175.00
S/ 3,500S/ 455.00S/ 3,045.00
S/ 5,000S/ 650.00S/ 4,350.00

Table 2 — ONP vs AFP Habitat (S/ 2,500)

SchemeWithheldNet
ONP 13%S/ 325.00S/ 2,175.00
Habitat flowS/ 321.00S/ 2,179.00
Habitat mixedS/ 284.25S/ 2,215.75

The paycheck gap is small. ONP does not build an individual account: the AFP comparator shows all four AFPs with the same SBS rates.

Table 3 — Family allowance

CaseBaseONP
S/ 2,500 without allowanceS/ 2,500S/ 325.00
S/ 2,500 + S/ 113S/ 2,613S/ 339.69

The family allowance enters the base. Fifth-category tax is separate: S/ 2,500 does not withhold.

This page applies 13% to the gross you enter, same as the net-pay engine. It does not model a separate cap.

No. EsSalud 9% is paid by the employer. If you are hiring, use employee cost.

Sources

  • D.L. 19990 (SNP / ONP 13%).
  • AFP rates: SBS 2026-09, same as net pay.

Educational estimate. Not a payslip and not pension advice.

More tools: AFP Peru, Peru net salary and Peru calculators.